Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$83,285Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$94,414The complete starting cash picture.
Estimated remaining funds due at closing
$94,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,285.34
Your down payment$83,285.34
Closing costs + prepaids$11,128.99
Total buyer cash needed$94,414.33
Remaining funds due$94,414.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$409.25
Initial HOA (3 months)$99.00
Prepaid interest, first (25 days)$570.66
Fees + prepaids$11,128.99
Your down payment is the seller’s equity. You take over the $266,615 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $94,414.33 is due at closing. Uses and sources reconcile at $361,028.99 each. Not a Closing Disclosure.